How Long FHA MIP Lasts
How Long Does FHA Mortgage Insurance Last?
FHA MIP Duration Rules
What This Means for Buyers
Quick Duration Reference
How We Plan Around MIP Length
Keep Exploring
Related Blog Posts
Frequently Asked Questions
Map Your MIP Timeline
For most FHA purchases with less than 10% down, annual MIP lasts for the life of the loan. If you put 10% or more down, MIP is typically required for 11 years. Knowing which rule applies changes the long-term cost math.
Your original down payment usually decides how long monthly MIP sticks around.
Life-of-loan MIP is not a deal-breaker — but it should be intentional.
Typical rules for current FHA purchase loans.
Your hold period should drive the program — not the other way around.
Step
Related guides to help you compare options and move toward pre-approval.
2MG Daily
Recent articles from our blog on FHA MIP timelines and refinancing.
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We will show whether your file falls under life-of-loan or 11-year MIP — and when a refinance might make sense.
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